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You take vitamins, exercise and eat right-but you probably stillcatch an occasional cold or flu bug. Your computer isn't muchdifferent: There's no way to completely protect it."Hundreds of viruses are generated every month," saysDavid O'Neill, vice president of e-business solutions forZurich North America in Baltimore. "Even if you update yourvirus definition files every day, something may get through."And if it does, you can also be held liable for passing the viruson.
The fact is, most insurance policies only cover damage totangible property and exempt electronic data. "This drives theneed for stand-alone products to fill the gaps," O'Neillsays. While the specifics vary, such products typically cover costsarising from damage to or theft of data and software, loss ofincome because of a virus or denial-of-service attack, electronicpublishing liability, liability if a virus or other malicious codecauses the release of nonpublic personal information, damages youmay suffer if one of your vendors has a problem, and even thepublic relations expenses of rebuilding your reputation after aloss.
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